Home Insurance in Tremont, Mississippi
The typical home in Tremont was built around 1993. About 14% of homes were built before 1960, about 1 point above Itawamba County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tremont is 55% single-family homes, 8% apartments in buildings with 5+ units and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tremont, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tremont has an owner-occupancy rate of 58% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
55% of homes in Tremont are primarily heated with electricity.
What's the biggest home insurance risk near Tremont? FEMA's National Risk Index points to earthquake (Relatively Low) in Itawamba County and Itawamba County had 17 active NFIP flood policies as of September 2026. See the full Itawamba County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median year built | 1993 |
|---|---|
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Itawamba County | 17 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)